Stanford Federal Credit Union


Overview / Commentary
650-723-2509
1860 Embarcadero Rd
Palo Alto, CA 94303

Stanford Federal Credit Union is headquartered in Palo Alto and is the 18th largest credit union in the state of California. It is also the 105th largest credit union in the nation. It was established in 1959 and as of September of 2024, it had grown to 245 employees and 90,629 members at 6 locations. Stanford Federal Credit Union's CD rates are 4X the national average, and it has an A health rating.

Field of Membership Restrictions

Membership in Stanford Federal Credit Union is open to anyone through membership in the Friends of Palo Alto Library or the Museum of American Heritage (membership paid through the credit union). Membership is also open to the following: (1) faculty, students and alumni of Stanford University; (2) employees of Sun Microsystems, City of Palo Alto, Facebook and over 200 area Select Employer Groups.
See current membership details

Reviews (1)

Don't Kick The Puppy While It's Yelping SFCU.

Posted by: |

"I've learned people will forget what you said, people will forget what you did, but people will never forget how you made them feel." - It's been a sour and disappointing experience. Life happens, unpredictable and without warning chaos insues. It happens, just like those random bad days we all have. It's tough out here and I know I'm difficult to deal with cause I'm always learning and my brain operates differently placing me on the spectrum(which I never disclose). But I have never had someone go out of their way just to try and make me feel stupid and incompetent than one particular woman represenative who I won't name. Baffling that Standford Federal Credit allows employees to carry themselves and speak in anyway other than professionally and with common respect for all intelligent beings. Expected to recieve a more refined experience from such an establishment as this. Maybe she represents her company correctly lacking good character, strong morals and deep rooted values. It's super easy and way cool to be nice others. Best practices for sure and humility will take you further than hurtful comments.



Health

Health Grade Components

Overall
NCUA #13392
Year Chartered1959
Employees245
Primary Regulator
Profit Margin
Return on Assets - YTD0.85%
Return on Equity - YTD8.44%
Annual Interest Income$143.4MM
Assets and Liabilities
AssetsQ3 2024vs Q3 2023$4.32B$4.1B
LoansQ3 2024vs Q3 2023$3.26B$3.2B
DepositsQ3 2024vs Q3 2023$3.28B$3.07B
Equity CapitalQ3 2024vs Q3 2023$430.5MM$383.3MM
Loan Loss AllowanceQ3 2024vs Q3 2023$27.5MM$24.7MM
Unbacked Noncurrent LoansQ3 2024vs Q3 2023$5.6MM$3.2MM
Real Estate OwnedQ3 2024vs Q3 2023$0$0
Rates
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Always verify rates and promotions with the bank or credit union. We are not Stanford Federal Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Stanford Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.25%$0-Companion Account w/ Linked Account
0.10%$0-Share Savings Account
0.10%$0-Kid's Stanford Savers Account
0.10%$0-IRA Share
0.10%$0-Health Savings Account
0.10%$0-Business Share Savings Account
0.10%$0-Coverdell Education Savings Account
0.10%$0-Companion Account w/o Linked Account

Stanford Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.81%$2.5k$2.5mMarket Savings Account - Ambassador Relationship
1.56%$2.5k$2.5mMarket Savings Account
1.56%$2.5k-Business Money Management Account

Stanford Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.51%*$0$25kHigh Yield Checking
OTHER TIERS: 0.15% $25k+
3.04%*$0$1kTeen Checking
OTHER TIERS: 0.15% $1k+
0.15%$0-Premier Checking - Ambassador Relationship
0.05%$0-Premier Checking

Stanford Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.15%$1k-12 Month Premium CD - Partner Relationship
4.15%$1k-12 Month Premium CD - Ambassador Relationship
3.75%$1k-7 Month No Penalty Premium CD - Ambassador Relationship
3.75%$1k-7 Month No Penalty Premium CD - Partner Relationship
3.70%$1k-24 Month Premium CD - Partner Relationship
3.70%$1k-24 Month Premium CD - Ambassador Relationship
3.63%$1k-12 Month CD
3.63%$1k-Business 12 Month CD
3.49%$1k-36 Month Premium CD - Partner Relationship
3.49%$1k-48 Month Premium CD - Partner Relationship
3.49%$1k-60 Month Premium CD - Partner Relationship
3.49%$1k-36 Month Premium CD - Ambassador Relationship
3.49%$1k-48 Month Premium CD - Ambassador Relationship
3.49%$1k-60 Month Premium CD - Ambassador Relationship
3.24%$1k-7 Month No Penalty CD
3.24%$1k-Business 7 Month No Penalty CD
3.19%$1k-24 Month CD
3.19%$1k-Business 24 Month CD
2.98%$1k-36 Month CD
2.98%$1k-48 Month CD
2.98%$1k-60 Month CD
2.98%$1k-Business 36 Month CD
2.98%$1k-Business 48 Month CD
2.98%$1k-Business 60 Month CD
2.25%$1k-6 Month Premium CD - Partner Relationship
2.25%$1k-6 Month Premium CD - Ambassador Relationship
2.00%$1k-3 Month Premium CD - Partner Relationship
2.00%$1k-3 Month Premium CD - Ambassador Relationship
1.74%$1k-6 Month CD
1.74%$1k-Business 6 Month CD
1.49%$1k-3 Month CD
1.49%$1k-Business 3 Month CD

Stanford Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.15%$1k-12 Month Premium IRA - Partner Relationship
4.15%$1k-12 Month Premium IRA - Ambassador Relationship
3.70%$1k-24 Month Premium IRA - Partner Relationship
3.70%$1k-24 Month Premium IRA - Ambassador Relationship
3.63%$1k-12 Month IRA
3.49%$1k-36 Month Premium IRA - Partner Relationship
3.49%$1k-36 Month Premium IRA - Ambassador Relationship
3.49%$1k-48 Month Premium IRA - Partner Relationship
3.49%$1k-60 Month Premium IRA - Partner Relationship
3.49%$1k-48 Month Premium IRA - Ambassador Relationship
3.49%$1k-60 Month Premium IRA - Ambassador Relationship
3.19%$1k-24 Month IRA
2.98%$1k-36 Month IRA
2.98%$1k-48 Month IRA
2.98%$1k-60 Month IRA
Locations


Stanford Federal Credit Union Locations
Branch Office1860 Embarcadero RdPalo Alto, CA 94303-3335
Branch Office525 University AvePalo Alto, CA 94301
Branch Office300 Pasteur DrStanford, CA 94305
Branch Office694 Pampas LnStanford, CA 94305
Branch Office459 Lagunita DrStanford, CA 94305
Branch Office905 Barron AvenueRedwood City, CA 94063

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